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I was totally blown away. I literally asked for the website because I thought, ok cheap but, the services you get are probably scaled way back...nope. Way better than what I had at the time. I think what helps is, she's in a union and I think that has a lot to do with it. The other side of the coin though, she gets paid just a couple of dollars an hour above minimum wage. |
You guys realize the employer portion is just part of your overall compensation? Like if they didn't have to pay that, you'd just bring home more cash.
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As JediKooter indicated upthread, I'm not certain employees would bring home more cash as opposed to the employer just holding on to more of that money. |
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This discussion kind of makes me wonder why more business owners don't favor/promote M4A. It would remove massive payroll liabilities from accounts immediately, right?. |
Last year the cost of the Employer part of my health care was $23,603. My portion was about $2500 toward that (which only includes about 7 months because of being broken, normally would be about double that).
There's no way that I would get a 23K boost in my salary, and even if I did, the tax bracket that I'm in would eat into it so much, that I'm not sure I could cover the value of that difference with the quality of care that I have right now. |
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So why would they pay a bigger portion than they have to right now? Why offer a 401k? If it doesn't lead to more cash in your check, it seems silly to offer any benefits at all. |
I just know I'm realllly jeaolus of your guys health plans.
I currently pay just over $1,200 per month for my family of 4..and that's not counting what my employer pays. And its crappy insurance, but I work for a small family owned company. I think whats missing from the prior examples is that when taxes are raised on employees they will have to be raised on corporations/employers as well to cover the cost gap. So the theoretical Comcast isnt saving $10k, they are liekly paying an extra 10k to the GOV (hopefully) to cover the cost ...otherwise there is zero chance of this program working Its a confusing issue to me. On the surface, if healthcare is a universal right - and I and I think most think it is - then we streamline the process and eliminate a lot of costs simply by eliminating the insurance industry. An that seems to be for the greater good. I'm less certain about the idea of a government just removing/replacing an entire industry because they feel their services are "necessary"...my mind tries to alagize it as...most Americans drive, most cars need fuel, maybe GOV should just take over all gas stations and eliminate gas station owner profits. Not a perfect comp to be sure but some what relative, at least in my mind. I just hope smarter people than I can find a way to re-work and improve our healthcare system. |
Personally, I wouldn't cry a single tear for the folks at the top who profit from the health insurance industry. All of the displaced workers is probably a real issue, but I think in terms of society available and affordable healthcare takes precedence over maintaining job numbers.
I'd like to believe the amount of advertising all flavors of the insurance industry are involved in speaks to how much money could be saved by cutting them out of the process. Similarly, I worked in a healthcare billing office for a little while (which was a soul-sucking job) and there are probably tens of thousands of people in every state, working inside the providers, billing individuals & their insurance....I'd like to believe most of that is fat/cost that can be cut from the provider side, if there were a public system. Those are savings only achieved by significantly cutting workers & jobs, though. |
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Let's take the most optimistic view using Quik's example from the prior page of the $60K worker who's employer coverage cost $10K. She gets the best raise possible (79% of the 10K) and now makes $67.9K. Her taxes go from 20-27% so that costs her $18.3K ($6K more than the $12K from before). So, her net pay goes from $48K to $49.6K, but her health insurance probably isn't nearly as good as the coverage she had with her employer. That's the "best" case. Now let's look at the middle case. Let's say she would get a 7% raise and now would make $64.2K. Her tax bracket would increase to the 27% and her tax bill would go from $12K to $17.3K. Her net take home would drop from $48K to $46.9K, she would have worse health insurance. The worst case (which I think would happen for most people) would be she gets no raise, but has to still pay 27% in taxes. Her take home would drop from $48K to $43.8K and she would have worse insurance. Can you see why people who have employer-subsidized care are scared of this process? If your take home pay drops 7-9%, your coinsurance drops and your deductible goes up - that's a massive pay hit to many working families. Quote:
1. They get a pretty hefty tax break for covering employees as I outlined above. So, it doesn't really "cost" them the benefit cost. 2. They have some insurance (pun intended) on if health issues hit their employees. If an employee has no coverage and gets in a massive accident/issue, they will probably miss more work and probably not be able to pay the bill. Plus, most employer plans cover wellness exams, most prescriptions at a high rate and make preventive care a lot easier (for instance, we provide flu shots, Blood pressure/stress checks and other health services for free at work). Healthier employees = greater productivity Going to a M4A plan means the employer now doesn't have the incentives to offer to help keep employees healthy and has to rely on the government. Again, if it ended up being a good system and kept similar coverage to what they were providing, no biggie. But, it's doubtful that would be the case (esp at the start). |
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Its got to be more than just the insurance companies. Its payers, providers and pharma/medical products. I do think innovation and quality will be less (and also the stock market) in the near term as we reform those industries but well worth it in my opinion to get basic "universal" healthcare. |
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I think most plans for M4A involves increased corporate tax rates. |
I don't know why she said this? Any theories?
https://www.cnn.com/2019/10/18/polit...ard/index.html Quote:
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Indeed. So companies can offer these big heathcare benefits, while using those funds to help reduce their tax burden. If there was no tax benefit, a lot less companies would be offering generous health plans. |
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Neither your or quik's example are accounting for the employee's share of premiums, or their deductible. According to Kaiser research the average worker pays health insurance premiums of $1186 for an individual and $5,547 for a family plan, per year, and the average deductible for an individual is $1573. |
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Two reasons: A) It may be true. Gabbard is more pro-Russian interests than Trump. And there are a lot of internet sites and likely bots in favor of Gabbard. Far more than you'd think regarding a minor candidate. B) If you noticed in the last debate, Gabbard decided to randomly go after Hillary Clinton for some silly reason. |
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I have NO clue. Seems absolutely Trumpian to my eyes. Not going on a podcast to make up Russian conspiracies about other Democrats at the exact moment those Democrats are in the middle of impeaching someone for appealing to foreign influence AND also in the middle of primaries seems pretty easy? |
Like maybe not point the Russian finger at the fucking Democrat's process at this exact moment?
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For deductibles, it's probably a wash at best with the M4A plan. And when you combine the co-pay, co-insurance and other plan specifics to an employer plan - the M4A plan will certainly be much worse than most. |
There are zero out of pocket costs with m4a, that's the point.
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FWIW, if I thought M4A would continue to include deductibles, co-pay and co-insurance I'd be entirely wary of it too. It's hard to take your concerns too seriously when you don't appear to have put very much effort into them.
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She (Hillary) has her faults, but, I've never thought of her as a blowhard like the well documented habitual liar that trump is. So, something tells me there's more than likely some truth to what she is saying. Nobody really listened to her when she raised the russian concerns about trump in 2016, so the why is maybe her trying to raise awareness before the ball gets rolling on it. Plus she's not running for office, so that to me lends a bit more credibility to it. However, and this is a big however, the conservative pundits are going to have a field day with this and it's going to trickle down to trump and he will probably get blisters on his fingers from all the twitting he will be doing soon and is just going to spin it as another 'dem conspiracy to remove him from office' or some thing and his base will lap it all up. |
Medicare for All Would Cut Poverty by Over 20 Percent
"The Census released its annual income, poverty, and health insurance statistics earlier this week. The summary report shows that 8 million of the nation’s 42.5 million poor people would not be poor if they did not have to pay medical out-of-pocket (MOOP) expenses like deductibles, co-pays, coinsurance, and self-payments. Medicare for All (M4A) virtually eliminates these kinds of payments, meaning that these 8 million people (18.8 percent of all poor people) would find themselves lifted over the poverty threshold if M4A were enacted." |
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The High Cost of Warren and Sanders's Single-Payer Plan - The Atlantic Quote:
It may actually be tripling our tax liability the more I look at the numbers. Here are some of the common ways people like to mention to increase taxes: - Repealing the Trump tax cuts (would barely make a dent) - increasing the payroll tax cap from $133K to $250K Those two would raise $3 Trillion over 10 years - you would need to come up with an additional $29 Trillion to pay for it. We would literally need Belgium/Netherlands marginal rate levels to get close to paying for this. I can't believe people think this is a possibility - no one in congress (not even most Dems) would vote for what would be required to pay for it. |
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I think it's insane that innumerable supposed business people continue to absolutely REFUSE to account for the removal of an entire industry that makes a very good profit operating as only the middle man between the consumer and provider of a service. Shrug. |
I'm open to looking for reforms and way to be increase who gets covered and improve the coverage for the poorly insured/under-insured. But going from what we have now to a system where everyone is covered with no out of pocket costs would bankrupt this country and not even be close to feasible.
So many changes would need to be done before you could even think about a system like that and people would have to pay OK paying 50+% tax rates. It's just not realistic. |
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I'm willing to cede that if you're talking about this very moment in time, but I also don't know how you could look at where we are culturally and politically, versus where we were 4, 8, or 12 years ago and not allow that the needle is moving fast. |
I guess the opposite of that outlook is that while some progressive ideas have become more mainstream the needle for most of America's tax liability has been going in the other direction, which doesn't seem like a very sustainable relationship, one way or the other.
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Small business owner here. This is not at all how progressive tax brackets work and is a commonly accepted fallacy and talking point. I know you are just using rough examples here (and we are ignoring marriage status and there are some exemptions that can be lost at certain thresholds), but in this scenario and most others (and assuming the jump in bracket occurs with the first dollar of the raise), the 27% part would only apply to the $7.9K. How do federal income tax rates work? | Tax Policy Center Quote:
Also, if you look at the range of taxable income brackets rates on the site, you can see that the income ranges are fairly large, so odds are pretty good that most middle class folks or married couples are not going to be jumping up to new levels with a 10% raise (and if they do, it is going to be a 2% jump). ![]() And if there are any companies out there that are deducting healthcare expenses that are not planning to deduct employee wages, they are need new accountants (and yes, they will have to factor in payroll taxes on the raise). |
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Payroll tax is a pass-through cost to the employee. Employers aren't paying it out of the goodness of their heart. It's factored into the compensation. Also paying more in SS means you get more when you retire. Sure it's not an exact ratio, but it's a nice bump in your benefits when you retire. |
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It dramatically reduces turnover and limits competition in the workforce. Your employer doesn't want you quitting to take a job for a few grand more with a competitor. It's much harder to do that if you're worried about your health insurance and the grace period at the new employer. |
As for how to pay it, reduce costs. Most of the industrialized world pays far less than we do for health care and sees better results. There is no reason we can't cut health care costs like they do.
Capital gains should not be exempt from Medicare taxes. We shouldn't create this nook for wealthy people and decide their income deserves special treatment over everyone else. Medicare tax should be progressive. Should move back to a progressive income tax system. We can also talk about cutting back on unnecessary military programs and such. This isn't some novel concept. All these other countries have managed to do it. Let's stop pretending like it's never been done before. |
Who knew health care was this complicated?
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If you really look at Gabbard's history (and Jill Stein who she also said was a Russian plant in 2016), it absolutely does make a whole lot of sense. And here is why it is important to call it out now. If Tulsi does announce a third-party candidacy now, this charge is going to played everywhere and hurt her chances of being taken as anything but a Russian bot. |
Profile: Tulsi Gabbard and Her 2020 Presidential Campaign
This one was from February: https://www.nbcnews.com/politics/202...abbard-n964261 |
Why would the Russian bots back a Democrat fringe candidate for a third party bid if they already control the President? Why not back him again if they control him?
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My guess is backing her could cause enough Dem voters to back her instead of the democratic nominee, thus increasing the likelihood of a Trump win. At this point they really have no need to back Trump. The battle lines have been drawn. You either support him or you don't, I find it hard to believe very many people will shift sides at this point. |
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Because Jill Stein was helpful last time. |
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It is exactly what Clinton said. She wouldn't even be on all ballots. Just on ballots in states that a 1-2% change would make all the difference. |
Never Trumpers (or those who voted for him last time but have soured) who might otherwise vote D. I’ve already seen cheers for Gabbard on my aunt’s FB feed calling her the only non-crazy Dem, and “you go girl!” because she speaks out against Dem ideas and Clinton. People who decry what Clinton said but will be the first to buy into any propaganda.
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The Ross Perot effect
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Yup, totally agree! Jill was enough of a 'fly in the ointment' to make a difference in some states back in 2016. Was reading more about her (Tulsi) this weekend and if what I read was true, I'm not really sure how any democrat or liberal could vote for her. She was lobbying to get a position in trump's admin and seems to poll pretty decently with some conservative voters. So, something tells me that there's more than likely some truth to what she (Hillary) is saying. Having said that, I wasn't going to vote for her anyway, so none of this changes anything for me, whether or not is it is true or false. |
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Plant? Who knows.
Stein, though, went to Russia and dined with Putin and Flynn. I have no doubt she's tied into the 2016 fuckery. Gabbard has met with Assad. She refuses to disavow Russian support. Or David Duke support. Or Bannon, Breitbart support. She's a dangerous character, hiding something. |
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The one small correction I would make is, she has disavowed David Duke's support. Tulsi Gabbard denounces David Duke, rejects his endorsement |
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She also has never denied being a lizard person or David Spade. She's extremely dangerous. |
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Gabbard also dined with Putin, along with General Flynn. |
Somewhere Putin is smiling in having successfully planted so much doubt in our democratic process.
The word "plant" implies a manchurian candidate and think there needs to be much greater evidence than meetings & dinners. Is Tulsi and Jill Putin's preferred Democratic nominees or are they the means Putin thinks he can sow discord and confusion, quite possibly ... but that is a far ways from "plant". |
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Thanks for the correction. |
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You're welcome. The sliver lining is, she has plenty of other faults that you mentioned. :) |
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I also dislike Gabbard, but I'm not sure she's hiding anything. She owns her extreme positions, and then she shows up on a debate stage and people go "oh look, a pretty lady" and assume she's normal & put her back in the conversation. |
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This article sums up the situation with Gabbard very well IMO Tulsi Gabbard Is Being Used by the Russians, and to a Former US Double Agent, the Evidence Is Clear | Opinion |
Newsweek? Seriously? And an opinion piece at that.
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One of the best movies out there is The Manchurian Candidate (1962) which is much better than the 2004 version.
Some of you need to watch it. It may fuel your fire. |
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I may have missed something in the article but did not see any evidence in the article specific to Tulsi. It talked about how Russia would do it etc. but here's what they/Tulsi did X, Y, Z doesn't appear anywhere (e.g. If borne out, may choose etc.). Better titled "Here is how Russia will do X" vs. "Tulsi is being used by the Russians". Quote:
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Yes, it's an opinion piece because we're talking about how Gabbard could be used by the Russian propaganda machine. It's not like anyone has access to definitive proof so we look at how and why Russia would do it without Gabbard necessarily knowing she's being used. I didn't post it as definitive proof of anything. Based on the ongoing conversation it was relevant. Maybe I should have opened up with the "I'm not a Trump fan" disclaimer? I'll ask what about the content of the article would you disagree with? |
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I agree the title is poor considering the content of the article. Considering the support Gabbard has received from the Russian bot army I think it's clear what they're doing. |
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I've not read about that but I'll assume there is plenty of evidence the Russian bot army is supporting Tulsi. So are you saying she is a "plant" ala manchurian candidate or her beliefs/policies so happen to align with what Russia wants therefore Russia is "supporting" her? |
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Tulsi Gabbard: White nationalists and Russian propaganda machine throw support behind 2020 candidate | The Independent NYT also ran an article a couple of weeks ago about her Russian bot support FWIW, I think she's someone willing to rock the boat in the democratic party so she aligns perfectly with Russia's interest in splitting the Dem vote. I don't think she's actively complicit, but she also doesn't seem to mind the help either. |
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By 2016 she either knew what she was involved in or accidentally ending up meeting with Putin, being supported by Putin bots, and running messages mirrored by Trump and the Kremlin. I think it's much more likely than not that she knew what her role was. |
Maybe I'm completely off-base, but as an occasional third-party voter myself I don't believe practically anybody who votes third-party gives a crusty crap who the candidate is, they're looking at the platform. I couldn't tell you one thing about Jill Stein, to this day.
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I agree here. Gary Johnson is pro-weed,and thats all I know. And thats who I voted for. 20 years from now, when weed is legal I will say what thesloppy just said. |
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Idk how she got a Harvard degree, but she's an anti-Vaxxer who propagates WiFi radiation conspiracy theories. I genuinely think she's just that much of a moonbat she doesn't understand what's going on, and she was running on the Green Party ticket at the state level before Twitter was a thing or Putin had his infrastructure in place. |
I agree with thesloppy too, and I say that as one of the rare exceptions. I think the '16 election and how things went the last several weeks of it, the people who broke for Trump and why, proves it as much as anything ever could.
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This confuses me, partly because it was followed by four specific proposals. The first three addressed themselves to increasing revenue. None had anything to do with reducing medical costs. The other part is the fact that we foot the bill (rightfully IMO) for a lot of research that benefits the entire world. Where does that fit into this equation? |
I agree this is a better way for Hillary to have approached it.
https://www.cnn.com/2019/10/22/opini...vic/index.html Quote:
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Of course it turns out Clinton never said the Russian government at all (instead said Republicans were grooming Tulsi to run third party). The New York Times just completely misquoted her:
https://www.rawstory.com/2019/10/new...mpression=true Sent from my SM-G955U using Tapatalk |
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Went on NYT website just now and did not see a clarification. Definitely a big miss if true and why did it take so long for the correction? |
Now granted, Russian news sources seem very pleased with Tulsi and she's got Putin's foreign policy goals to a tee. Unwitting accomplice at best.
Sent from my SM-G955U using Tapatalk |
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So the strange part is if you actually read the transcript of the podcast, she's totally saying the Republicans are trying to groom Tulsi for a third party run. Not sure why the Times would mess that up. She says later that Stein and Gabbard are "Russian asset"s which some are reading as they are Russian spies, but that seems a bit out there. You can be an asset to someone without intending to do so. Especially after noting that the aforementioned grooming was not by the Russians. |
Well that's interesting:
https://www.cnn.com/2019/10/23/polit...ses/index.html Quote:
According to 538, the CNN/SSRS poll is an A- poll (so a very respectable one). |
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I still don't see a clarification in NYT (or at least not on the headlines since I don't have a subscription). I would like to read further, do you have a link on this clarification? |
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Yay go Biden, he's my first choice right now (assuming he'll pick a younger person as VP). Happy to hear but wonder why he's doing so well? |
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The link I submitted has changed the language. You can see from the screen shots where it used to say "Russian" it is now "Republican". It seems the NYT didn't issue an official correction, but just changed the article. |
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Just my opinion, I think its more that Trump/Republicans have been focusing on Biden more than the other candidates, and Dem voters feel like they need to "have his back". |
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Kind of weird how different the 2 polls are. https://www.foxnews.com/politics/war...-national-poll Quote:
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https://www.cnn.com/2019/10/24/polit...ign/index.html
Ryan was in my upper tier of candidates but he never got any traction with the masses. |
Definitely possible that the CNN poll is an outlier. Guess we'll have to see how the rest of them line up.
One of the things the Quinnipiac poll did do was qualify Klobuchar for the November debate (she got her last needed 3% in it) making it 9 for those debates. Sent from my SM-G955U using Tapatalk |
Tulsi Gabbard, the candidate for people that hate Democrats!
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The Dems are a more fractured coalition party than the GOP, so they are always going to be more vulnerable to third-party challengers.
The GOP has figured this out and (smartly) encourages such things (there was a decent amount of GOP money behind Jill Stein, for example). The Dems need to figure out how to deal with this issue, because it is not going away. Obama was such a unifying candidate that he gave the party a temporary reprieve. But I think that the typical presidential race is going to have a Nader or a Gabbard in it more often than not. |
What's the saying? Republican voters fall in line. Democrat voters have to fall in love.
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I think the problem is that there is legitimate debate on the democratic side. You can have a more moderate Clinton/Biden get support, as well as a more liberal Sanders/Warren in a primary. On the republican side, you pretty much have to be a social and fiscal conservative to have a chance. IMO, it's a credit to the democratic party that you have such a wide scope of beliefs - but it's also why the losing side will be more apt to support a 3rd part person. If Biden gets the nomination, a lot of Sanders/Warren supports may not vote or go 3rd party. If Warren gets it, you could have some Biden people look more at a 3rd party as well.
I wish republicans would consider more socially moderate candidates as a party, but the money just doesn't seem to be there. I also think the Rush Limbaugh/Hannity/Savage/Ingraham crew instills so much fear in the republican base that they would never think to vote 3rd party because of the risk of a democrat being president (worst thing ever in their mind :D). The whole dynamic of how each party looks at this is very interesting to me. |
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The funny thing is, if you look at the 'Political Spectrum', Biden and Hillary, would be moderate conservative candidates. It's just the conservatives and GOP have gone so far to the right of that spectrum, any policy or candidate to the left of them will be too liberal in their eyes. |
I think that's pretty simplistic, tbh. Hillary Clinton ran a far more left wing platform than Obama ever did. And Biden is for a number of things that no moderate conservative would ever vote for - and was a reliable moderate-left voter as a Senator.
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This all screams for breaking the two party system - which I know will never happen. But wouldn't it be great if our choices weren't democrat or republican, but someone in the bernie/warren lane, someone like biden, actual fiscal conservatives which seem to not really exist in the current environment, some tea party person like Cruz, and ... whatever the heck trump is. Making a meaningful choice between them all would feel so much better than the shitshow we have now. On the dem side I know that I personally have moved very far left over the last few years and feel extremely disconnected from those who are excited/enthusiastic for someone like Biden, we just don't belong in the same party (though of course I will show up for Biden if he does win), and we've seen a number of folks here express a similar disconnect from someone like Warren, some are thinking about electibility, while others are basically the opposite of me, more moderate dems who have serious concerns of their own about the policies of the further left candidates. That we have to cram all this into two people in the end plus a spoiler or two who will never have a chance in the current system feels terrible |
I agree with you in principal, but people are throwing a shit fit about the current president only getting 46.1% of the vote. I can't imagine things will be better if the winner is at 30%.
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This would only really ever happen if there was Proportional Representation (or perhaps Single Transferrable Vote could help). A First Past The Post / Presidential system rewards varied interests joining together to create big coalitions. Imagine if either major US party were to break up into moderate and progressive/conservative factions? They'd be killed by the other party that stayed together. |
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Yep, I agree. People in power would be risking their own power to implement this so it'll never happen. Its a nice thought though. |
Looks like she is losing momentum.
Kamala Harris to slash staff, restructure campaign as she hemorrhages cash - POLITICO Quote:
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Wonder where her voters will go.
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Then there were 3
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I mean there have either been 3 for months or more than 3 all along... either way Harris dropping doesn't change the calculus much. She had a quick bump that disappeared almost as quickly as it happened.
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Probably a fairly even distribution among Biden, Warren, and Mayor Pete. |
A good start for Warren in explaining her Medicare for All. There'll be a lot of pundits picking it apart etc. but good overall to generate & force the discussion. I would like to see a comparison between Sander's and Biden's alternatives.
My guess is this is a losing proposition for her as voters will be scared by the expansiveness of what she is proposing so she will be on the defensive. But kudos to her for laying it out there. https://medium.com/@teamwarren/endin...s-bf8286b13086 Quote:
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Biden's support is basically entirely older voters. Among people over 65, he is still the frontrunner. He is supported by only 2 percent of voters under 45.
Interesting, but makes sense to me. I'm definitely under 65 and nothing about Biden really inspires me other than he's not trump and he's not a republican. |
And now Beto O'Rourke is out.
Should help Buttigieg and Harris, I think. https://www.cnn.com/2019/11/01/polit...out/index.html |
I like her speechwriter. Think this will resonate with the Democratic base (e.g. won't against Trump as he can claim to do the same).
https://www.cnn.com/2019/11/02/polit...ays/index.html Quote:
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"Steven Basart, 28, is getting his Ph.D in computer science and describes himself as a Democrat. Yet he would consider voting for Mr. Trump, depending on the Democratic nominee." What in the holy fuck? And here's the rest of this idiots statement: If it were Ms. Warren, he’d vote Republican, he said: “I think she’s going too far to the left, which would take our country in a bad direction.” Mr. Basart is not a fan of Mr. Trump’s personality, but he says it’s overshadowing some of his accomplishments. “There are plenty of things not to like about Trump, because he says things that are not nice and potentially racist,” said Mr. Basart, who is Latino. “I care somewhat about those things, but I mostly just care about policies, because at the end of the day, that’s what affects people.” Mr. Basart, I have one question for you...what policies of trump's? He literally has none other than to enrich himself using the office of the president of the united states. |
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Dude, Ive been telling you guys this stuff for 2 years now. There is no rhyme or reason. You guys have been putting me down because I have been saying that people will vote for Trump. Get used to the new reality. |
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